Manage Your Money Smarter with Setorin
A practical money system for everyday people. Track your income and expenses, see what's coming, organise your money into purpose-built buckets, and plan ahead with your actual pay cycle — wherever you are in the world.
30-day free trial · NZ$6.99 per month after · No lock-in · Cancel anytime
See your money more clearly
Most people check their bank balance and hope for the best. Setorin gives you something better — a clear view of where your money is, where it's going, and what's coming up. It's not a spreadsheet and it doesn't connect to your bank. It's a structured system built around your pay cycle.
What Setorin helps you understand
Your income and expenses
See every transaction in one place. Setorin currently supports Kiwibank statement import — upload your statement and Setorin reads, categorises, and organises your transactions automatically. Know exactly what came in and what went out each pay period.
In
+$2,400.00
Out
-$180.90
Payday
Now Account · Income
Weekly Groceries
Groceries · Groceries
Petrol
Now Account · Transport
Your recurring payments and subscriptions
Track every subscription and bill in one place — including ones billed in foreign currencies. See what's coming before it hits your account. Identify charges you've forgotten about.
Upcoming Payments
Netflix
Monthly · 15 Sep
Gym Membership
Fortnightly · 12 Sep
Spotify (USD)
Monthly · 22 Sep · ~$28.50 NZD
Your payslip and entitlements
Upload your payslip and get a plain-English breakdown of every line. For New Zealand users, that includes PAYE, KiwiSaver, ACC levy, annual leave, sick leave, and your employer's contributions — using current NZ law and IRD rates. Explained clearly, not in accounting language. Available for everyone, with more countries to follow.
Payslip Explainer
Your take-home pay is 80% of gross. KiwiSaver and tax are deducted before the money hits your account.
How Setorin works
Step 1 — Create your account
Sign up for free. No credit card required to start your 30-day trial.
Step 2 — Set your pay cycle
Tell Setorin when you get paid and how often. All your budget periods calculate from your actual pay dates, not from the calendar month.
Step 3 — Import your first statement
Upload your statement (currently Kiwibank supported). Setorin reads your transactions, categorises them, and organises them into your budget buckets automatically.
Step 4 — See your money clearly
Your budget buckets show real balances based on real transactions. Your upcoming bills are visible before they arrive. Your payslip is explained in plain language.
Track income, expenses and recurring payments
Setorin helps you see the full picture of your money each pay period. Import transactions from your bank statement (currently Kiwibank supported), track what's been spent against each budget bucket, and see your recurring payments — including subscriptions billed in foreign currencies — before they hit your account.
Transactions
Every dollar recorded
Total In
+$2,400.00
Total Out
-$1,403.89
Today
Payday
Now Account · Income
AllocatedWeekly Groceries
Groceries · Groceries
Netflix Subscription
Fun Money · Entertainment
RecurringYesterday
Rent Payment
Rent · Housing
Petrol
Now Account · Transport
Organise accounts, budgets and buckets
Setorin uses a bucket system to organise your money with intention. Each bucket has its own purpose, its own balance, and its own pay-cycle period. Money goes where it belongs, and you always know what's available in each area of your finances.
Budgets
Fortnightly · 15–28 Aug 2026
Income
+$2,400.00
Spent
$1,566.50
Health
On Track
balance
Period: 1–31 Aug 2026
Spent
$1,200.00
Budget
$1,200.00
Remaining
$0.00
balance
Period: 15–28 Aug 2026
Spent
$112.50
Budget
$450.00
Remaining
$337.50
balance
Period: 1–31 Aug 2026
Spent
$165.00
Budget
$180.00
Remaining
$15.00
balance
Period: 1–31 Aug 2026
balance
Period: 15–28 Aug 2026
Spent
$89.00
Budget
$150.00
Remaining
$61.00
Plan ahead with greater clarity
When you know your pay cycle, your upcoming bills, and the balance in each bucket, you can make better decisions before money leaves your account — not after. Setorin is built to give you that visibility.
30-day free trial
Setorin includes a 30-day free trial with full access to all features. Your card won't be charged for 30 days. You will receive reminders inside the app before your trial period ends. After 30 days, a subscription of NZ$6.99 per month is required to continue. There is no lock-in. You can cancel at any time from your account settings.
Frequently asked questions
Does Setorin work outside New Zealand?
Yes. Setorin's core features — budget buckets, pay cycle planning, subscription tracking, and expense visibility — work for anyone, anywhere. The Payslip Explainer includes specific support for New Zealand payslips (KiwiSaver, ACC, PAYE, leave entitlements), with more countries to follow.
Does Setorin connect directly to my bank?
No. Setorin is not bank-linked. You upload your bank statement and Setorin reads and categorises your transactions. Your bank login credentials are never shared or stored.
What happens after my free trial ends?
After 30 days you will be prompted to subscribe for NZ$6.99 per month. You will receive reminders inside the app before your trial ends. If you choose not to subscribe, your access pauses and your data is kept safely.
Can I cancel at any time?
Yes. There is no lock-in and no cancellation fee. You can cancel from your account settings at any time.
Is my financial data secure?
Your data is stored securely and is never sold or shared. Payslips uploaded for the Payslip Explainer are processed and not stored. Bank statement files are read and then discarded.
Is Setorin financial advice?
No. Setorin is a money organisation and visibility tool. It is not a registered financial adviser and does not guarantee any financial outcome or result.